1 Start with a great topic. Search for it on Google and see if others have a similar idea.

2 You'll need a website. Google has two places to create sites for free: pages.google.com and Blogger.com. Blogger is the easier and faster route. Pick a title for your blog, a template, and start posting. During the creation process, Google will ask if you'd like to add Google ads (AdSense) to your site. You'll need to fill out a form with an address for payment, and agree to certain terms. For example, you can't click on your own ads or put ads on your site to encourage others to click for you.

3 Once you're in the AdSense system, Google offers tips on how to get the most out of your ads. For instance, it teaches about color patterns. Sites with white backgrounds should use ads with a gray background, and publishers should use colors in ads that already exist on the page. Google also offers tools such as a "competitive ad filter," to make sure the cobbler down the street doesn't end up advertising on your shoe repair site.

4 Google gives you a short, one-sentence code to paste in the background of your site, which in turn talks to Google's computers and puts ads automatically onto your site. (With Blogger and Apple's iWeb tools, the coding is done in the background. You just have to click a button to add AdSense to your site.)

5 Now start writing. The folks whose sites reap the most from AdSense have thousands of pages of content. The more pages, the more opportunities for ads and clicks. "If you write for your audience and give them information that's useful and helpful, Google does the rest," says Gail Bjork, who runs the Digicamhelp site. "They match your content to the ads."

6 AdSense publisher and author Joel Comm says the next step is to figure out the best place on your page for the ads. This is a decision Google leaves up to you. "The best place to put it is in line with your content," he says. "Most people put it at the top of the page initially, but visitors have become blind to banner ads. They won't look anymore. You have to have the ads in a place where they can be seen."

LOS ANGELES  Jerry Alonzy figured he'd be working into his 70s at least.

As an independent handyman at the mercy of weather patterns near Hartford, Conn., he'd always made a decent income that rarely grew.

Then he found Google (GOOG), and his life changed. Alonzy, 57, now makes $120,000 a year from the ads Google places on his Natural Handyman website, and he couldn't be more thrilled.

"I put in two, maybe three hours a day on the site, and the checks pour in," he says. "What's not to like?"

In return for placing its ads on websites and blogs, Google pays Web publishers every time one of its ads are clicked. Those clicks help keep Alonzy and his wife living comfortably and talking about moving to Hawaii. "All I need is a laptop and a high-speed Internet connection, and I can live anywhere."

The Internet may be a young person's medium, but the retired and those nearing retirement such as Alonzy have found that they can work the Web just as well. Sometimes, such "Gray Googlers" can live a richer, more financially rewarding life than when they were supposedly working.

"Google isn't just for kids anymore," says Google executive Kim Scott, who runs the company's AdSense program, the ad platform that provides the income for Web publishers such as Alonzy and others.

Take Jerrold Foutz. The former Boeing engineer, 75, started a website a few years ago devoted to one of his passions — switching mode power supplies, which help drive, for instance, the inside of video cameras.

He put Google ads on his smpstech.com site four years ago. After just one month, the first Google check was for $800. The second check totaled $2,000.

"I thought, 'Wow,' " he said. "This was the most amazing thing that ever happened to me. Something I thought would make $50 a year now equals my Boeing retirement check."

That comes out to around $25,000 yearly.

Foutz's experience is not an anomaly.

After Hope Pryor's four kids left home, she grew intrigued with the Internet and learned how to design a Web page. She didn't want it to focus on just her, so she posted some of her favorite recipes on the site.

Now, her Cooks Recipes site is bringing in nearly $90,000 yearly, mostly from Google ads. The holidays are the biggest-producing months of the year.

"Last December alone, I netted $30,000 from Google," she says. "There's not too many people I know who can walk into a car dealership and buy two vehicles at one time. I did just that recently."

While the upside of working with AdSense sounds exhilarating, it's not that way for everybody.

Scott says she posted an unsold novel on Google and earns about $5 a month from the AdSense ads on the site. Al Needham, 74, who runs a site about the care of bees (bees-online.com) from his home near Boston, reaps about $250 a month.

Jennifer Slegg, a consultant whose JenSense blog is devoted to tips for using so-called contextual advertising, says the easy part is getting AdSense up and running. Google provides computer code that must be copied and pasted onto a website. Figuring out how to do that "is very easy for new publishers."

Foutz says even if you've never cut and pasted code before (hint: On Windows PCs, highlight the text, press Control C to copy, then Control V to paste it), "Just follow what Google says. They have very easy-to-understand instructions."

Hard work, big reward

Introduced in 2003, AdSense was an outgrowth of Google's AdWords program, which put sponsored ads at the top of search results at Google's own site. Google created AdSense as a way to expand beyond search listings and onto hundreds of thousands of websites and blogs.

Google rivals Yahoo and MSN have similar programs, but they have found limited acceptance on the Web, where Google dominates both search, with more than 50% market share, and search advertising, with 90%.

Now everyone from big sites such as the New York Times and CNN.com to mom and pop operations such as Cooks Recipes and Natural Handyman have the familiar "Ads by Google" text-box somewhere on their site.

"With AdSense, we fund creativity on any topic," says Google's Scott. "If you have a subject you know something about, write about it, find a like-minded audience on the Internet and we'll take care of monetizing the content."

Or, as Joel Comm, author of the AdSense guidebook The AdSense Code, puts it: "People are amazed. They say, 'Really, all I have to do is write, Google will put ads on my site and pay me?' Yes, it's that simple."

There is a little more to it. The folks who reap the biggest rewards put in long hours setting up their site and feeding it lots of content.

"Write about what you know, write like mad and often," says Alonzy. "The more you write, the more opportunities you have to make money. If you post 500 pages on a topic, you'll have 500 pages with ads, and many more potential clicks."

Google's computers scan the content on Web pages to match it with appropriate advertisers. Articles on Alonzy's website about how to keep mice away might result in ads for pest control services, while a recipe for turkey casserole at Cooks Recipes might generate ads for diet tips and beauty makeovers.

"The beauty of our system is that we have so many advertisers," says Scott. "The content may not change, but our ads change every day. So you'll always see something different there."

Slegg says the biggest mistake new AdSense publishers make is clicking on AdSense ads — their own or others. That's a big no-no in Googleland, and can get you dumped from the program.

The computer won't break

Alonzy and other Gray Googlers say they haven't experienced any problems working in a young person's world.

"Many people my age are scared of computers; they think they're going to break them," says Needham. "The computers aren't going to break. But you won't find out unless you get in there and try."

At $250 a month, Needham's site generates revenue in line with its niche audience of folks who want to learn about bees.

"I bring in enough to fund a free vacation to Key West every year for the family," says Needham, a retired Department of Defense employee.

One stumbling block for many people is translating a great idea into a nice-looking Web page.

Now, Google and Yahoo have free tools to create Web pages or blogs. And many Internet website-hosting companies (such as GoDaddy and Brinkster) have online site creators that come as part of their monthly fees. Apple's iWeb is another such tool. With these, AdSense can be automatically added to your pages with the click of a mouse.

"When you retire, you have to have some interests," says Needham. "This is my indoor activity. I did a search online for how to create a website and found lots of good help out there for nothing."

The Internet, he says, opened up a new world for him.

"I started searching for other sites about bees and met some people from Australia with similar interests. We've since become friends, and I went to Australia last year to visit."

The same thing happened with Gail Bjork, 63, who runs the Digicamhelp site from her home base near Tampa. She designed her site but made a friend online in Ireland who has since redesigned it for a more professional sheen.

"My background was art," says Bjork. "I was an art teacher. I didn't know about code. My friend does. So now she handles the design, and I operate the site."

Bjork is a former local school board member who ran a print shop with her husband. A camera buff, she started the site because her friends were always asking for photo tips.

"This started as something to help my friends, and I've gone from a 14-page site to one with over 700 pages," she says. "I'm legally retired now — but not mentally."

Her site brings in around $1,500 a month. Bjork's advice to others: "For anyone, no matter what age they are, if they find something they truly love, write about it. You have nothing to lose but time. And it could really pay off."

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Jerry Alonzy's Natural Handyman website produces $120,000 a year in income from little ads that Google places on his Web pages.

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